Terms of Business

A special note to the valued Customers of HealthCare International

Some important facts about your Private Medical Insurance plans are summarized in this website. This summary does, however, not contain the full terms and conditions of the cover for each plan; these can be found in the full policy wording. It is important that you read the Policy wording thoroughly when you receive it, to make sure you understand the cover it provides.

We trust you will be happy with the cover your policy provides. However, you have the right to cancel it within 14 days of receiving the policy. If that happens, we will refund your premium in full, providing you have not made a claim on your policy in that period and we have the policy documents returned to us within the 14 days.

As your policy will automatically renew at the anniversary of the commencement of your policy, we will send you renewal terms 2 months prior to your plan anniversary. In the case you wish to cancel the policy at this time, you must give us 2 months written notice of your intention to do so. You should also refer to the Charges section of your policy Document.

If you do not exercise your right to cancel within the cancellation period, the contract will remain in force and all premiums will be payable in accordance with the terms of the policy.

A full explanation of the conditions for cancelling your insurance can be found in our policy wording.

Complaints Procedure

We presume that you will be fully satisfied of the service we provide. However, if you have a complaint you should address it in writing to: Compliance Officer, HealthCare International Global Networks Limited, UK Administration Office, 160 Brompton Road, London SW3 1HW, United Kingdom.

We are covered by the British Financial Ombudsman Service, so in the event that you have made a complaint that we are unable to resolve, you may then be entitled to refer it to this independent body. In the event that you are still dissatisfied after contacting the above office, you should then direct your complaint in writing to: The Financial Ombudsman Service, South Key Plaza, 183 Marsh Wall, London E14 9SR